ASWATHI S DAS

Challenge, and a continuous desire to excel, are what drive me.

After graduating in Economics, I did post-graduation in Econometrics and Quantitative Economics.
Given that Mathematics wasn't my stronghold during my school or graduation years, it was highly challenging initially. However, with discipline and patience, I excelled in the course and graduated with distinction.

The experience has led me to be a staunch believer in the power of perseverance and have embraced life-long learning as a way of life.

After a brief stint coaching competitive exams aspirants, I moved to the BFSI sector, to the then newly-licensed small finance bank ESAF.

My tenure at ESAF of nearly 6 years has helped me gain expertise in bank operations, financial processes, RBI Policies & Guidelines, customer-facing, problem-solving, teamwork, supervisory and leadership skills, and above all, confidence to undertake fresh challenges and emerge victorious.

CUSTOMER SERVICE MANAGER

ESAF SWASRAYA MULTI STATE AGRO CO-OPERATIVE SOCIETY LTD – Thiruvananthapuram, Kerala 
NOV 2022 – Present 
ESAF SWASRAYA MULTI STATE AGRO CO-OPERATIVE SOCIETY LTD – Pathanamthitta, Kerala
OCT 2019 – NOV 2022 

🔹 Carried out administrative and operative duties of co-operative section by organizing and coordinating banking services on a day-to-day basis with the team.
🔹 Reported to the Divisional Manager while heading a team (typically 6 to 9 members), and ensured that team deliverables are being met.
❇ Coordinated and conducted activities to increase awareness among the general public about the bank’s presence in promoting entrepreneurship and skill development.
❇ Helped extensively to realise the organisation's objective of financial inclusion, through the promotion of micro-ATM among relevant retail outlets and customers.
❇ Promoted micro-entrepreneurs, helped create micro SB accounts, approved and disbursed micro-loans, and promoted other banking products.
🔹 Tracked the performance of the sales team and motivated the team to successfully achieve individual and team targets.
🔹 Identified and solved problems slowing operations from disbursing quickly, thereby speeding up processes and maximising the efficiency of the operation team.
🔹 Approved and authorised customer accounts, loans, and insurance claims after verifying documentation to maintain quality.
🔹 Maintained steady cash flow in branch, especially during promotional activities targeting bulk disbursements.
🔹 Minimized slippage of NPA accounts from sub-standard to doubtful and loss category by implementing the necessary recovery, rehabilitation, revival, or restructuring of accounts in accordance with bank policies.
🔹 Monitored repayment and collections were organized and planned, so as to prevent overdue accounts, and maintain customer scores and ratings.
🔹 Ensured timely collection and deposit of payments and passing of entries.
🔹 Motivated the team to source loans for existing as well as new customers.
🔹 Trained subordinates and trainees, and evaluated strengths and weaknesses.
🔹 Prepared, maintained, and presented various performance and transaction reports to higher management on daily/weekly/monthly/ad-hoc bases.

MICRO BANKING OFFICER

ESAF SMALL FINANCE BANK – Pathanamthitta, Kerala 
JAN 2018 – OCT 2019 

🔹 Overall branch operation activities
🔹 Cash-flow management
🔹 Approve disbursals of micro-loans, TAT supervision
🔹 Process customer’s insurance-related operation
🔹 Perform maker transaction activity for retail transactions
🔹 Perform checker transaction activity for cooperative transactions

ASSISTANT CUSTOMER SERVICE MANAGER

ESAF SWASRAYA MULTI STATE AGRO CO-OPERATIVE SOCIETY LTD – Pathanamthitta, Kerala 
MAY 2017 – DEC 2017 

🔹 Assist the Branch Customer Service Manager in all matters of operation and serve as back-up as needed.
🔹 Customer KYC and secondary documents verification. KYC and verification process for loan approvals- pledged items, documentation.
🔹 Ensure strict adherence to and maintenance of KYC norms compliance to meet.
🔹 Analyse documents, files, registers and ensure they are updated as per RBI regulation and ensure they are safely filed and stored and ready for audits.
🔹 Follow-up with relevant team member in case of insufficient documentation.
🔹 Attend to customers helping resolve customers’ queries and problems and provide seamless customer satisfactory banking experience.
🔹 Co-ordinate to organize inter-branch meetings for monthly/ quarterly/ annual performance evaluation.

After graduating in Economics, I did post-graduation in Econometrics and Quantitative Economics.